1.05.2014

Some of the core fields in travel insurance include trip cancellation, trip interruption, emergency evacuation, accidental death and loss or damage to baggage or personal effects. Millions of dollars are wasted each year by travelers who purchase unnecessary travel insurance or travel assistance policies.

Despite being valuable to some travelers in limited circumstances, you should still check the terms and exclusions of any travel insurance or travel assistance policies carefully before purchasing them.

Your requirement should complement your need for insurance. The pre requisite for a comprehensive travel insurance is the collection of several types of insurance plans. Make sure that you have done proper reviews and comparison shopping among several insurance policies before you choose a travel insurance.

It is easy to decide and go for the right travel insurance only if you are aware of the coverage that you already have. As a final point, consider the following facts in particular. While traveling if you choose homeowner's or rental's insurance policies then you may avail liability or baggage and personal property protection.

It is advised to go through all the specific limitations and exclusions of the health insurance policy which in some cases may provide you with limited coverage. If you possess an automobile insurance policy then you can get cover for a rental car as well. Some of the ways in which your credit card can provide protection are loss damage waiver while renting a car or coverage in case you plan to cancel or change your flight.

As of today, there are many travel insurance policies which boasts of providing you with excess or secondary coverage. Amounts such as deductible can cause travel insurance to provide coverage for the loss such as homeowner's insurance if your personal property is stolen provided any other coverage is being applied to the loss first.

In cases where your deductible is very high or you have insufficient coverage, primary coverage offered by some travel insurance policies comes handy. Premium for excess coverage is generally low as compared to premium for primary coverage.

A major problem with travel insurance is that most policies contain a number of exclusions and travelers often don't learn about the exclusions until they try to use the coverage. In order to find out how much protection your travel insurance policy is offering, you should carefully check all the exclusions and definitions carefully while reviewing the policy.

Because they can cover losses which cannot be covered by any other insurance, trip cancellation and trip interruption insurance are considered to be the most important types of travel insurance.

Despite their close relevance, trip cancellation and trip interruption insurance provide different types of protection. There is a trip cancellation insurance which provides you coverage before you travel against your trip cancellation and reimburses you for any prepaid, nonrefundable expenses like a cruise cabin or an airline ticket that you cannot use due to trip cancellation.

Cutting short of your trip or any change in the trip plan will cause you to get covered by trip interruption insurance durin your trip.

When does trip cancellation insurance apply? Although the exact terms of the policies vary, trip cancellation insurance generally will reimburse you for nonrefundable, prepaid trip expenses when all three of the following things occur. In the event that you or your travelling companion is affected by some problem or some kind of an accident that was totally unforeseen because of which the trip that had been arranged for earlier need to be cancelled. Trip cancellation insurance is applicable before your departure.

It is advised to check that you are covered by any trip cancellation insurance that you buy while you are en route from your home to your departure point. In the same manner, many cancellation policies expire 48 or 72 hours before the departure time during which many last time crisis may arise.

It is highly recommended that you confirm that you are covered during the entire period of time before your departure in case you buy cancellation insurance.

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